There are different benefits for which you may qualify based on the type and severity of injury you have sustained. Each state will have unique differences for the benefits offered with their programs, but the following are the typically available benefits in worker’s compensation programs.
Workers Compensation Benefits
Temporary Total Disability (TTD)
This is a benefit paid until you are able to return to work. It is paid while you are totally disabled and unable to work. Once you have recovered from your injuries and able to return to work the payments will no longer be available..
Temporary Partial Disability (TPD)
This is a benefit which will supplement your pay while you are able to return to work on at least a part time basis. So if you are working again, but less than full time, it pays you the difference.
Permanent Partial Impairment (PPI)
This is a payment which can be made in addition to your Temporary Disability Benefits. So even if your doctor determines you are medically recovered, you may still suffer from a permanent physical loss (such as a missing limb, or eyesight, or lung capacity, etc.) Your doctor will determine the percentage of physical loss to help calculate the loss of wages. It may be a single payment or in regular installments as determined by your state.
Permanent Total Disability (PTD)
This is a payment when it is determined you are injured in a matter which results in a disability preventing you from again earning a regular income. Many factors, including type of injury, severity, age, education, work history and retraining options go into figuring the qualification and amount for PTD. These benefits are paid until death.
Other Benefits:
Death Benefits
The insurer will pay for some of the funeral expenses and provide a payment to the worker’s surviving spouse and dependents in the case of work related death. Each state will determine the amount of these benefits.
Medical Benefits
It is an obligation of worker’s compensation insurance providers to pay for associated medical expense. Insurers typically pay for all medical treatment until the worker recovers from the injury.
Reemployment Benefits
When it is determined that the worker can again be employed with a different job and requires training, the insurance provider will pay in either a lump sum or incrementally to cover the new training expenses.
Speak with an experienced attorney today to review your case. They know the questions to ask and how to best evaluate your claim.